Podcasts about average joe finances

Send us a textJoin us on Average Joe Finances as our guest Doug Lynam, a former Benedictine monk turned financial advisor and author, shares his unique life story, detailing his upbringing in an affluent family with financial struggles, joining the Marine Corps, and eventually spending 20 years in a monastery where he had to navigate its financial crisis. Through this journey, Doug developed a keen interest in finance, ultimately leading to a successful career as a financial advisor. He discusses his views on effective money management and introduces his latest book 'Taming Your Money Monster,' which combines the Enneagram personality system with financial behavior analysis. In this episode:Discover how understanding your personality can expose hidden financial habits and help tame your "money monsters."Explore why true service and generosity begin with achieving personal financial stability.Unlock the power of aligning earning, saving, investing, and giving for long-term financial success.Understand how financial literacy is rooted in continuous self-awareness and personal growth.And so much more!Key Moments:00:00 Introduction and Guest Welcome00:33 Doug Leham's Early Life and Family Dynamics01:29 Journey to the Marine Corps and Monastery02:14 Financial Awakening and Monastery Bankruptcy04:32 Building a Financial Advisory Firm08:06 The Enneagram and Money Monsters11:27 The Four Pillars of Financial Success13:36 Understanding the Enneagram Types19:21 Transitioning Between Achiever Categories19:48 The Value of a Good Enneagram Test20:48 Understanding Money Relationships22:05 Doug's Journey from Monk to Financial Advisor23:11 The Final Round: Doug's Financial Insights28:26 Doug's Recommended Reads31:14 Where to Find More About Doug32:58 Final Thoughts and FarewellFind Douglas Lynam:https://www.douglynam.com/https://www.instagram.com/douglynam/https://www.linkedin.com/in/doug-lynam/Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the show

Send us a textJoin us on Average Joe Finances as our guest Ken Gee, founder and managing partner of KRI Partners, shares his inspiring journey from growing up in Toledo, Ohio, working as a CPA and commercial lender, to becoming a successful real estate investor. Ken discusses his transition from a corporate job to real estate due to the desire to spend more time with his family and avoid corporate pitfalls.In this episode:Discover how a shift from CPA life to real estate investing gave Ken G. the time freedom he craved and how it can for you too.Uncover the power of value-add strategies in multifamily real estate and how a simple renovation plan turned Ken's first deal into a win.Explore why choosing high-growth markets like Florida using tools like U-Haul data can drive strong real estate returns.Take in Ken G.'s advice on avoiding shiny object syndrome and staying laser-focused to build long-term wealth through real estate.And so much more!Key Moments:00:00 Introduction and Welcome00:59 Meet Ken Gee: From CPA to Real Estate Mogul02:20 The Aha Moment: Balancing Work and Family03:33 First Steps in Real Estate: Learning the Hard Way10:46 Strategic Decisions: Selling and Reinvesting12:38 Partnerships and Mentorship: Finding Your Gary14:41 Evolving the Business: From Syndications to Funds16:13 Why Florida? Strategic Market Choices18:17 Analyzing Market Trends18:47 Overcoming Barriers to First Deals21:59 Mindset and Visualization24:21 Biggest Business Mistakes26:38 Advice for Real Estate Beginners30:26 Final Thoughts and ResourcesFind Ken Gee:Website: https://www.kripartners.com/LinkedIn: https://www.linkedin.com/in/geekennetha/Facebook: https://www.facebook.com/people/Ken-Gee-KRI/100086519510719/YouTube: https://www.youtube.com/@KenGee_KRIInstagram: https://www.instagram.com/kengee_KRI/Twitter: https://twitter.com/i/flow/login?redirect_after_login=%2Fkengee_kriTikTok: https://www.tiktok.com/@ken_gee_kri?lang=enAverage Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the show

Send us a textJoin us on Average Joe Finances as our guest Richard Wilson, founder of the Family Office Club, shares insights on building an investor club and integrating AI tools to optimize investment processes. He details his journey into finance, starting businesses from a young age, and developing a blog that grew into a major platform for ultra-wealthy investors. Richard discusses the importance of in-person networking, focusing investments in familiar industries, and the value of advice from highly successful individualsIn this episode:Discover how in-person meetings drastically improve investor trust and success—16x more likely to say "yes."Uncover how Richard Wilson leverages AI to automate investor relations and streamline financial decision-making.Grasp why aligning your investments with your personal expertise significantly reduces risk.Absorb powerful mental models from billionaires to transform your investment strategies and mindset.And so much more!Key Moments:00:54 Meet Richard Wilson: Founder of Family Office Club01:33 The Power of In-Person Networking03:43 Richard's Entrepreneurial Journey06:35 Current Business Focus and AI Innovations07:53 AI Tools for Investors15:45 Family Office Club and Investor Club Details17:56 Final Round: Mistakes and Lessons Learned22:29 Tips for Aspiring Investors and Entrepreneurs24:42 Recommended Books and Resources26:18 Closing Remarks and Contact InformationFind Richard Wilson:Website: https://familyoffices.com/Facebook: https://www.facebook.com/familyofficeclubLinkedIn: https://www.linkedin.com/in/singlefamilyoffice/Instagram: https://www.instagram.com/familyofficeclub/Youtube: https://www.youtube.com/@familyofficeclub/X: https://x.com/RichardCWilsonAverage Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the show

Send us a textJoin us on Average Joe Finances as our guest Kevin Guttman, a seasoned reverse mortgage professional. Kevin shares his journey from managing his father's rental properties at a young age to entering the mortgage industry in 2004. He discusses the evolution of reverse mortgages, highlighting crucial changes made in 2015 to protect homeowners. Kevin explains the advantages of reverse mortgages for retirees, emphasizing the importance of financial education and multiple income streamsIn this episode:Understand how reverse mortgages can provide tax-free income and eliminate monthly payments for retirees.Discover the updated regulations that make reverse mortgages safer and more accessible than ever before.Gain clarity on common misconceptions and why reverse mortgages aren't just a “last resort” option.Explore how leveraging home equity strategically can fund retirement, long-term care, or new investments.And so much more!Key Moments:00:56 Meet Kevin Guttman: Reverse Mortgage Expert01:20 Kevin's Journey into Real Estate02:36 The Power of Real Estate in Building Wealth04:50 Reverse Mortgages: An Overview07:32 Regulations and Changes in Reverse Mortgages11:04 Client Success Stories and Impact14:07 Unlocking Equity and Financial Freedom17:36 Diversifying Income Streams19:05 The Reality of Retirement19:50 Educating the Next Generation21:33 Options for Aging Parents22:57 Understanding Reverse Mortgages24:56 Lessons from Financial Mistakes29:59 Valuable Resources and Recommendations31:20 Final Thoughts and FarewellFind Kevin Guttman:Website: https://heromortgageloan.com/Facebook: https://www.facebook.com/LenderYouCanTrust/Instagram: https://www.instagram.com/kevin.guttmanLinkedIn: https://www.linkedin.com/in/kevinguttman/Youtube: https://www.youtube.com/@KevinGuttmanAverage Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the show

Send us a textJoin us on Average Joe Finances as our guest James Hilovsky, CEO of the Fran Dream, shares about his journey from spending over 20 years in corporate America to becoming a successful entrepreneur. James shares his experiences in the fast food and franchising industry, working with NFL players on various business ventures, and how he now helps others become entrepreneurs by guiding them through the franchise selection process. They discuss the financial and personal freedom found in entrepreneurship, the costs and funding options for starting a franchise, and the top franchise opportunities available. In this episode:Explore how franchising offers a structured path to entrepreneurship with built-in support and scalability.Learn why aligning franchise opportunities with personal skills and goals is key to long-term success.Discover how leveraging expert guidance can fast-track your journey from corporate life to business ownership.Understand that financial and time freedom through franchising is achievable—even without prior business experience.And so much more!Key Moments:00:00 Introduction and Guest Welcome00:26 James' Background and Career Journey03:07 Transition to Entrepreneurship04:09 Personal Finance and Entrepreneurial Insights06:09 Franchise Costs and Getting Started07:16 Helping Clients with Fran Dream11:06 Top Franchise Opportunities14:08 Personal Goals and Reflections15:15 Final Round: Mistakes and Lessons Learned18:27 Tips for Aspiring Entrepreneurs20:21 Recommended Resources and Closing RemarksFind James Hilovsky on:Website: https://www.thefrandream.com/Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the show

Send us a textJoin us on Average Joe Finances as our guest Pete Neubig, co-founder and CEO of VPM Solutions, shares his 30-year journey from an average student in high school to co-founding a company that specializes in providing virtual assistance for real estate and property management. Pete discusses critical lessons learned from his experiences in IT and real estate investment, including the challenges of managing low-income properties and starting a business. In this episode:Discover how smart financial management fuels entrepreneurial success and business growth.Learn why focusing on one business venture is key to building lasting entrepreneurial success.Uncover how solving real-world problems can turn challenges into thriving real estate and tech businesses.Grasp how strong partnerships and aligned financial goals drive long-term success in entrepreneurship and investing.And so much more!Key Moments:00:59 Guest Introduction: Pete Neubig01:34 Pete's Early Career and Real Estate Journey05:04 Building a Property Management Business09:08 Lessons Learned and Business Growth16:52 Personal Finance Philosophy21:51 The Importance of a Supportive Partner22:34 First Investment and Financial Struggles23:06 Current Real Estate Strategy23:42 Retirement and Cash Flow Plans24:49 Service-Based vs. Tech Businesses26:11 The Role of a Partner in Financial Decisions32:27 Lessons from Financial Mistakes36:10 Advice for Aspiring Entrepreneurs37:30 Recommended Books and Resources39:07 About VPM Solutions41:40 Conclusion and Final ThoughtsFind Pete Neubig on:Website: www.vpmsolutions.comLinkedIn: https://www.linkedin.com/in/pete-neubig/Facebook: https://www.facebook.com/pete.neubig.1X: x.com/VPM_SolutionsAverage Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the show

Send us a textJoin us on Average Joe Finances as our guest Jay Balekar, shares his inspiring journey from growing up in India to becoming a successful real estate investor in the U.S. Jay discusses his background in cybersecurity, his early exposure to Robert Kiyosaki's 'Rich Dad, Poor Dad,' and how he transitioned into multifamily real estate. He emphasizes the importance of education, careful underwriting, having ample reserves, and the value of networking and mentorship. In this episode:Explore how strategic self-education can accelerate your entry into multifamily investing.Uncover the power of networking and mentorship in scaling your real estate portfolio.Absorb the value of financial discipline—avoid risky debt and build strong reserves.Grasp why adapting to market shifts with operational excellence is key to long-term success.And so much more!Key Moments:00:00 Introduction and Welcome00:55 Guest Introduction: Jay Balekar01:30 Jay's Early Life and Education02:38 First Steps into Real Estate03:49 First Multifamily Property Experience05:18 Challenges and Lessons Learned14:00 Networking and Growth16:49 Market Changes and Strategies25:57 Final Round: Key Questions34:54 Final Thoughts and FarewellFind Jay Balekar on:Website: https://www.prospercapitalco.com/Facebook: https://www.facebook.com/jaideep.balekarLinkedIn: https://www.linkedin.com/in/jaideepbalekar/Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the show

Send us a textJoin us on Average Joe Finances as our guest Giang Nguyen from One River Capital, shares her inspiring story of transitioning from a biology major to real estate investing, starting with a single-family foreclosure and scaling up to a multifamily portfolio that allowed her to leave her W2 job and pursue her passion for salsa dancing. She discusses overcoming challenges, the importance of community and mentorship, and tips for new investors. In this episode:Discover the power of aligning your investments with your personal "why" for lasting motivation.Absorb the importance of starting before you're ready—progress comes from doing, not waiting.Grasp how community and mentorship can fast-track your growth and minimize costly mistakes.Understand that calculated risks and collaboration are key to scaling your real estate portfolio.And so much more!Key Moments:00:54 Meet Giang: From Vietnam to Multifamily Investor01:36 Giang's Real Estate Journey Begins02:38 Scaling Up: From Single Family to Multifamily04:15 The Importance of Taking Action07:04 Finding Your Why in Real Estate Investing11:01 Overcoming Mistakes and Learning from Experience16:10 Tips for Aspiring Real Estate Investors18:22 Recommended Books and Resources20:37 Connect with Giang and Final ThoughtsFind Giang Nguyen on:Website: https://onerivercapital.com/Facebook: https://www.facebook.com/thatsalsainvestor/Instagam: https://www.instagram.com/thatsalsainvestorAverage Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the show

Send us a textJoin us on Average Joe Finances as our guest Marcia Dawood, a seasoned angel investor, shares her journey from corporate America to discovering the world of angel investing. She explains how angel investing is accessible even for those who aren't super wealthy and discusses the importance of diversification and having a solid investment thesis. The conversation delves into different types of crowdfunding, including equity crowdfunding and debt crowdfunding, as well as the challenges and opportunities in the current investment landscape. In this episode:Discover how angel investing is more accessible than ever, with opportunities starting at just $50.Learn why diversification and due diligence are key to building a strong investment portfolio.Understand how to spot truly innovative startups beyond the hype of trending buzzwords.Explore alternative investing approaches like debt crowdfunding for lower-risk entry points.And so much more!Key Moments:00:55 Guest Introduction: Marcia Dawood01:27 Marcia's Journey into Angel Investing02:59 Understanding Angel Investing05:07 Comparing Angel Investing to Real Estate Syndication05:49 The Role of Funds in Angel Investing06:54 Risks and Rewards of Angel Investing12:36 Marcia's Book: Do Good While Doing Well15:21 Equity Crowdfunding and Platforms18:32 Debt Crowdfunding Explained25:30 Podcast Milestones and Notable Guests25:40 Democratizing Private InvestingFind Marcia Dawood on:Website: https://www.marciadawood.com/LinkedIn: https://www.linkedin.com/in/marciadawood/Facebook: https://www.facebook.com/marcia.dawoodAverage Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the show

Send us a textJoin us on Average Joe Finances as our guest Joe Downs, CEO of Belrose Storage Group, shares his 17-year journey in commercial real estate. Joe recounts his early career as a financial advisor, the impact of 9/11 on his career shift, and his ventures, including owning a bar and moving into real estate. Joe delves into his current focus on the self-storage industry, offering insights into market dynamics, the importance of mentorship, and the unique opportunities in storage, especially during economic cycles.In this episode:Learn how adaptability and resilience can turn career setbacks into real estate success.Discover why self-storage is an overlooked yet profitable niche in commercial real estate.Understand the importance of seeing opportunity in every deal, even beyond your initial criteria.Gain insights on why hands-on business oversight is key to long-term investment success.And so much more!Key Moments:00:00 Introduction and Welcome01:00 Guest Introduction: Joe Downs01:23 Joe's Journey into Real Estate01:39 From Financial Advisor to Real Estate02:00 The Impact of 9/11 and Career Shift02:56 Venturing into Real Estate04:00 Owning a Bar: Lessons Learned04:57 Transition to Radio and Real Estate07:14 Discovering Self Storage09:28 The Self Storage Business Model13:20 Challenges and Opportunities in Storage27:49 Advice for Aspiring Investors31:24 Final Thoughts and Contact InformationFind Joe Downs on:Website: https://www.belrosestoragegroup.com/Instagram: https://www.instagram.com/belrosestoragegroup/Facebook: https://www.facebook.com/belrosestoragegroupLinkedIn: https://www.linkedin.com/in/joe-downs-7990851/Youtube: https://www.youtube.com/@belrosestoragegroupAverage Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the show

Send us a textJoin us on Average Joe Finances as our guest Darius Ross, a seasoned entrepreneur with over 30 years of experience. Darius shares his serendipitous entry into entrepreneurship, his experiences with real estate investment, consulting for equity, and the creation of educational materials from his many business lessons. He emphasizes the importance of adaptability, the 'guerrilla mentality,' salesmanship, and constant learning. In this episode:Learn how embracing adaptability and strategic thinking can fuel entrepreneurial success.Discover why intellectual contributions often outweigh capital investments in building wealth.Understand the power of the "gorilla mentality" in navigating business challenges and competition.Gain insights on why accountability and self-reflection are crucial for personal and professional growth.And so much more!Key Moments:00:58 Guest Introduction: Darius Ross01:27 Darius's Entrepreneurial Journey02:34 First Business Venture: Real Estate04:36 Consulting and Equity05:23 Leadership and Writing Books07:37 Gorilla Mentality Explained13:43 Entrepreneurial Mindset and Challenges19:28 Final Round: Mistakes and Lessons25:44 Closing Thoughts and WisdomFind Darius Ross on:Website :https://www.dariusaross.com/LinkedIn: https://www.linkedin.com/in/darius-ross-0316626/Facebook: https://www.facebook.com/dariusaross1X: https://x.com/dacatmanInstagram: https://www.instagram.com/darreexec/Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the show

Send us a textJoin us on Average Joe Finances as our guest Steve Selengut, a professional investment manager with over 40 years of experience and the author of 'Retirement Money Secrets',  shares his journey into investment management, emphasizing the importance of diverse income streams, market volatility, and income-focused investing. He discusses his father's influence on his understanding of income generation, his early experiences in handling investment portfolios, and his strategy for using closed-end funds to secure steady income.In this episode:Learn how income-focused investing can create financial stability in retirement, even during market fluctuations.Discover why closed-end funds offer a reliable monthly income stream and long-term wealth-building potential.Understand the power of embracing market volatility rather than fearing it, using strategic investment approaches.Gain insights into aligning your financial strategy with personal goals for a secure and stress-free retirement.And so much more!Key Moments:00:59 Meet Steve Selingut: A Veteran Investment Manager01:22 Steve's Early Investment Journey03:44 Investment Strategies and Market Insights06:45 The Importance of Income Streams09:28 Closed-End Funds Explained15:47 Steve's Biggest Financial Lessons20:12 Advice for New Investors22:42 Steve's Recommended Resources24:41 Where to Find More About SteveFind Steve Selengut on:Website: https://theincomecoach.net/LinkedIn: https://www.linkedin.com/in/privateinvestmentmanagement/Youtube: https://www.youtube.com/@steveselengutAverage Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the show

Send us a textJoin us on Average Joe Finances as our guest Daniel Kong,  a former software developer turned real estate investor, shares his journey from working 20 years in a W2 job to achieving financial freedom through real estate investing, specifically using the BRRR strategy. He discusses the transition from passive income to active income, the importance of networking, and how to effectively manage and buy back time. Daniel also delves into the importance of taking immediate action on learned knowledge and offers insights into his current focus on active business and construction projects.In this episode:Learn how decisive action and adaptability are key to transforming career paths and achieving financial freedom.Understand the balance between active and passive income to optimize growth and long-term stability.Realize the importance of leveraging time through strategic outsourcing and effective time management.Discover the power of networking and mentorship in unlocking new opportunities and strengthening vision.And so much more!Key Moments:00:56 Guest Introduction: Daniel Kong01:49 Daniel's Journey into Real Estate03:10 First Steps in Real Estate Investing05:21 Building a Real Estate Portfolio06:19 Active vs Passive Income Strategies09:15 Ground-Up Construction Projects10:54 Investor Relations and Fund Management16:05 Balancing Business and Social Media17:46 The Importance of Time in Building Passive Income19:19 Strategies for Buying Back Time20:12 Balancing Business and Personal Life21:30 Outsourcing and Delegating Tasks23:33 Making the Most of Free Time28:51 Final Round: Personal Finance and Business Insights33:27 Closing Thoughts and Final AdviceFind Daniel Kong on:Websites:https://www.sunsetcapitalinvestments.com/https://www.danielkong808.com/Facebook: https://www.facebook.com/danielkong808Instagram: https://www.instagram.com/danielkong808Tiktok: https://www.tiktok.com/@danielkong808Youtube: https://www.youtube.com/@danielkong808Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the show

Send us a textJoin us on Average Joe Finances as our guest Krista Reuther, the Senior Education Content Manager at TurboTenant, shares her journey into the industry starting as a freelance writer and editor in college, her growth into real estate content creation, and how she assists landlords and renters in saving money through data-driven content. Krista also offers valuable resources available on TurboTenant and highlights influential figures and recommendations in the real estate domain.In this episode:Learn the importance of using data-driven content to educate landlords and tenants.Discover the value of local property management before transitioning to remote investments.Grasp the necessity of thorough tenant screening to ensure successful rental relationships.Understand the legal requirements around fair housing to maintain compliance and avoid pitfalls.And so much more!Key Moments:00:00 Introduction and Welcome00:56 Meet Krista Reuter: Senior Education Content Manager at TurboTenant01:31 Krista's Journey into Real Estate and Freelance Writing03:57 TurboTenant and Empowering Landlords05:37 Tips for New Landlords and Tenant Screening16:47 Navigating Emotional Support Animals and Service Animals23:19 Final Thoughts and Resources29:15 Closing Remarks and Call to ActionFind Krista Reuther on:Website: https://www.turbotenant.com/LinkedIn: https://www.linkedin.com/in/krista-reuther-writer/Spotify: KitcasterAverage Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the show

Send us a textJoin us on Average Joe Finances as our guest Larry Mietus, the 'Chief Excuse Obliterator,' to discuss leadership, accountability, and company culture. Larry shares his journey as a business consultant and author, highlighting his approach to transforming excuses into solutions.From personal anecdotes to professional strategies, Larry provides valuable advice for leaders and entrepreneurs looking to enhance their business operations and personal growth.In this episode:Learn to identify and replace excuses with actionable solutions for transformative growth.Understand that transparency and accountability build a results-driven, empowered workplace culture.Realize the importance of continuous learning and self-education as tools for leadership and success.Discover how fostering ownership and teaching business fundamentals drive team innovation and alignment.And so much more!Key Moments:00:57 Meet Larry Midas: The Chief Excuse Obliterator01:28 The Journey to Becoming an Author02:26 Excuses in Business: Identifying and Eliminating Them04:00 Creating a Solution-Oriented Culture04:56 Teaching Employees to Think Like Owners05:39 The Importance of Loving Your Work08:30 Transparency and State of the Company Meetings10:55 The Role of Leadership in Employee Success15:58 Observing and Improving Company Culture17:47 The Pitfalls of Success and Complacency21:20 Financial Literacy and Business Success23:08 Living Below Your Means23:29 Warren Buffett's Frugality: Lessons from a Billionaire24:24 Understanding Business Valuation27:01 The Art of Business Focus: Narrow vs. Broad Strategies27:54 Biggest Financial and Business Mistakes30:57 Tips for Aspiring Entrepreneurs35:01 Recommended Reads37:19 Final Words of Wisdom39:38 Conclusion: Stay Accountable and Keep LearningFind Larry Mietus on:Website: https://speakingofstrategy.com/LinkedIn: https://www.linkedin.com/in/larrymietusspeakingofstrategy/X: https://x.com/larrymietusYoutube: https://www.youtube.com/@leadershiplarry9468Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the show

Send us a textJoin us on Average Joe Finances as our guest Moshe Popack, chairman of YMP Real Estate Management, discusses his journey from New York to Miami, his initial struggles, and how he turned to real estate after losing his job during the 2007-08 financial crisis. He also shares practical tips for getting started in real estate and emphasizes the need for continual self-improvement and clarity of vision. In this episode:Understand that adaptability and resilience are key to navigating economic challenges and thriving in uncertainty.Learn that passion and genuine interest in your work fuel long-term success and prevent burnout.Recognize the value of inclusive leadership and diverse perspectives for stronger, innovative teams.Discover the importance of starting small, taking calculated risks, and aligning with the right partners.And so much more!Key Moments:00:00:27 Moshe Popak's Background and Family Life00:01:15 Starting Over in Miami00:01:53 Transition to Real Estate00:03:04 Entrepreneurial Mindset and Challenges00:04:01 Importance of Vision and Execution00:04:15 Navigating the Real Estate Industry00:05:06 Breaking Free from Comfort Zones00:07:04 Financial Management and Resilience00:16:18 Empowering Women in Business00:17:58 Realizing the Need for Financial Literacy00:18:11 Commitment to Learning and Seeking Support00:19:07 Faith and Financial Awakening00:19:39 The Role of Faith in Entrepreneurship00:20:40 Overcoming Fear and Embracing Failure00:20:57 The Importance of Non-Judgment00:22:01 Youth and the Value of Hard Work00:26:23 The Power of Partnerships00:27:14 Tips for Real Estate Beginners00:31:51 Final Thoughts and Words of WisdomFind Moshe Popack on:Website: https://moshepopack.com/LinkedIn: https://www.linkedin.com/in/mpopack/Facebook: https://www.facebook.com/MoshePopackInstagram: https://instagram.com/mpopackYoutube: https://www.youtube.com/@mpopackPodcast: https://moshepopack.com/podcast/Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesMarketAboutA breakdown of listed companies' financials, news, trends and other.Listen on: Apple Podcasts SpotifySupport the show

Send us a textJoin us on Average Joe Finance hosts Mike Cavaggioni and Tanya discuss their reflections on 2024 and share their goals and strategies for a successful 2025. They emphasize the importance of being present, setting intentions, and reflecting on achievements and shortcomings to improve for the future. They also touch on planning for potential investments, building liquidity, and considering alternative lifestyles such as becoming an expat. The episode concludes with advice on celebrating wins and being intentional about personal and financial goals.In this episode:Discover the power of mindfulness in achieving financial and personal growth.Understand the value of compound interest in long-term wealth building.Embrace change by exploring new living environments and career paths.Reflect on your goals regularly to stay focused and intentional in your actions.And so much more!Key Moments:00:00:19 Reflecting on 2024: Personal Growth and Challenges00:01:19 Financial Strategies and Investment Insights00:06:27 Exploring Expat Life and International Living00:12:19 Setting Goals and Intentions for 202500:16:09 Balancing Life: Fun, Finances, and Personal Time00:22:20 Closing Thoughts and Future PlansAverage Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the show

Send us a textJoin us on Average Joe Finances as our guest Elizabeth Bieniek, an accomplished entrepreneur and author of “Cake on Tuesday: 25 Lessons to Unlock Corporate Innovation”, shares her unconventional career journey from studying creative writing to becoming an entrepreneur in the tech industry. She discusses the value of starting with a fresh perspective, the importance of asking 'why,' and the role of embracing and leveraging diverse teams for innovation. Elizabeth also highlights the challenges and opportunities she faced, offering practical advice on entrepreneurship and the significance of investing in oneself.In this episode:Discover the power of embracing curiosity—it opens doors to opportunities and fuels innovation.Realize that action conquers fear; momentum builds success one step at a time.Acknowledge the strength in "not knowing"; vulnerability fosters collaboration and growth.Explore the impact of small gestures—creativity and kindness elevate team morale and drive progress.And so much more!Find Elizabeth Bieniek on:Website: https://www.elizabethbieniek.com/LinkedIn: https://www.linkedin.com/in/elizabethbieniek/Instagram: https://www.instagram.com/cakeontuesday/Email: connect@elizabethbieniek.comAverage Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the show

Send us a textJoin us on Average Joe Finances as our guest Larisa Olteanu from Unshakable Wealth shares her inspiring story of overcoming a tumultuous childhood and severe financial hardships. Arriving in the U.S. with just $20, Larissa details her journey from learning English on the job to earning a finance degree and working with ExxonMobil. She further explains how she transitioned to founding Unshakable Wealth, with a mission to empower others, especially women, in their financial journeys. In this episode:Discover how resilience in adversity builds strength and financial responsibility.Understand how education unlocks opportunities for lasting financial independence.Learn how shifting to a growth mindset transforms challenges into opportunities.Gain insight into empowering others through financial literacy and shared knowledge.And so much more!Key Moments:00:01:13 Introducing Guest: Larisa Olteanu from Unshakable Wealth00:01:35 Larisa's Inspiring Journey00:01:53 Lessons from a Challenging Childhood00:03:41 Navigating Financial Hardships and Early Responsibilities00:06:13 Adapting to a New Life in the U.S.00:08:31 The Importance of Education and Personal Growth00:11:50 Shifting Mindsets: From Victim to Victor00:17:43 Investing in Real Estate and Personal Development00:20:13 Challenging Beliefs About Wealth and Success00:23:32 Transitioning to Unshakable Wealth00:25:47 Balancing Motherhood and MBA00:26:11 Turning Down Job Offers for a Dream00:26:51 Understanding Personal Finance Challenges00:28:32 Empowering Women in Finance00:32:03 Final Round Questions00:33:43 Practical Financial Tips and Mindset00:37:30 Networking and Learning from the Wealthy00:42:11 Recommended Books and Resources00:45:41 Where to Find More Information00:47:21 Closing Remarks and Call to ActionFind Larisa Olteanu on:Website: https://www.shakeablewealth.com LinkedIn: https://www.linkedin.com/in/larisa-olteanu/Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the show

Send us a textJoin us on Average Joe Finances as our guest Curtis May, the host of The Practical Wealth Show Podcast and the creator and owner of Practical Wealth Advisors. Curtis has been planning for individuals for more than 35 years, and he is passionate about helping his clients save money and live the very best life they can right now. The primary focus of his financial planning firm is to help businesses and families become financially free by following the principles of wealth creation that have endured for centuries around the world.In this episode:The importance of understanding cash flow, the differences between saving and investing, and principles for wealth creation. Challenges common financial advice, such as solely relying on 401(k)s and mutual funds, and emphasizes the value of holistic planning and financial literacy.Discussing topics like debt management and proactive financial planning.Practical tips for those starting their investment journeys and the importance of continual learning in personal finance.And so much more!Key Moments:00:44 Curtis May's Background and Journey03:11 Financial Philosophy and Influences05:47 Practical Financial Strategies10:47 Cashflow Management and Budgeting21:07 Debt Management and Financial Literacy24:13 Debt Restructuring Insights25:11 Understanding Constructive vs. Destructive Debt25:45 Financial Literacy and Income Types26:07 The Four Rules of Financial Institutions27:44 The Importance of Skillset and Mindset30:25 Entrepreneurial Challenges and Realities32:20 Final Round: Financial Mistakes and Lessons34:55 Investing Tips and Rules36:58 Favorite Books and Resources39:05 The Power of Financial Games40:48 Where to Find More Information45:21 Closing Remarks and GratitudeFind Curtis May on:Website: https://www.practicalwealth.net/ LinkedIn: https://www.linkedin.com/in/curtismay/Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the show

Send us a textJoin us on Average Joe Finances as our guest Dr. Kimberly Harms shares her compelling life story, involving personal challenges, the loss of her child and husband, and how these experiences shaped her career and mission in life. She talks about the significance of being financially and emotionally prepared, and how to create a legacy that ensures your loved ones are taken care of after you are gone. In this episode:Learn to embrace resilience by transforming personal trials into opportunities for purpose and growth.Discover the importance of legacy planning that balances emotional preparation with practical organization.Understand the value of confronting mortality to create a meaningful legacy of love and foresight.Grasp the healing power of reconciliation in resolving conflicts and easing the grieving process.And so much more!Key Moments:00:03:02 Meet Dr. Kimberly Harms00:03:22 Dr. Harms' Life Story00:05:15 Overcoming Personal Tragedies00:06:39 Legacy and Resilience00:14:08 Financial Planning and Downsizing00:18:21 Importance of Legacy Planning00:22:41 Facing Death and Procrastination00:25:29 Overcoming Procrastination in Estate Planning00:25:59 The Intimidation of the Word 'Estate'00:27:06 The Importance of Planning While Healthy00:27:51 Steps to Effective Estate Planning00:28:48 Emotional Affairs and Reconciliation00:32:50 Lessons from Rwanda on Forgiveness00:34:17 Biggest Financial Mistakes and Scams00:35:59 Downsizing and Letting Go of Stuff00:39:32 Tips for Getting Started with Estate Planning00:41:51 The Power of Trust and GivingFind Dr. Kimberly Harms on:Website: https://www.drkimberlyharms.com/LinkedIn: https://www.linkedin.com/in/kim-harms-bb524666/Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the show

Send us a textJoin us on Average Joe Finances as our guest Christian Osgood, the owner of Multifamily Strategy, shares his journey from saving for financial freedom to acquiring over 200 rental units. He emphasizes the importance of setting clear goals, the value of building relationships in the real estate industry, and the significance of focusing on one niche area to build a successful business.In this episode:Learn how creative financing can unlock opportunities without relying on traditional savings.Discover the importance of setting clear financial goals to accelerate growth.Understand the value of sustainable strategies like cash flow and long-term debt in real estate.Master the art of relationship-building to access seller-financed deals and unique opportunities.Realize the importance of staying focused on core goals to avoid costly distractions.Embrace the balance of profitability and social impact through community-focused investments.Key Moments:00:01:20 Christian Osgood's Journey Begins00:02:16 Setting Goals and Overcoming Challenges00:03:39 Meeting Cody Davis and Learning Seller Financing00:05:36 Scaling Up and Principles of Real Estate Investment00:08:39 Creative Financing and Building Relationships00:15:49 Mindset Shift and Goal Setting00:21:57 Future Goals and Coaching Insights00:24:20 Setting Ambitious Goals00:25:00 Passion for Low-Income Housing00:26:53 Challenges and Successes in Real Estate00:29:52 The Importance of Focus in Business00:32:55 Lessons from Financial Mistakes00:41:31 Advice for Aspiring Investors00:43:04 Recommended Books and Resources00:46:37 Where to Find More Information00:48:13 Conclusion and Final ThoughtsFind Christian Osgood on:Website: Multifamilystrategy.comLinkedIn: https://www.linkedin.com/in/christian-osgood-10a95b71/Facebook: https://www.facebook.com/christian.osgoodInstagram: https://www.instagram.com/christianosgood/Youtube: https://www.youtube.com/@MultifamilystrategyAverage Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the show

Send us a textJoin us on Average Joe Finances as our guest Roy Snarr, a successful financial services entrepreneur, shares his compelling life story, detailing his challenging journey from a middle-class background to building a thriving financial services agency specializing in asset protection, life insurance, annuities, and long-term care. Gain insights into his strategies for succeeding in business, overcoming adversity, and maintaining work-life balance.In this episode:Learning the value of hard work and resilience reveals that true success requires dedication and perseverance.Discovering the power of strategic time management shows how disciplined time use boosts productivity and creates new opportunities.Understanding the role of adaptability in business growth demonstrates the importance of embracing change to thrive in any environment.Grasping the necessity of persistence in entrepreneurship emphasizes that building a business requires time, patience, and ongoing effort.Exploring the impact of mindset on overcoming challenges highlights the role of resilience in managing setbacks with a positive outlook.Key Moments:00:00:58 Meet Roy Snarr: From Humble Beginnings to Financial Services00:03:28 The Turning Point: A Life-Altering Accident00:05:01 Discovering Financial Services and Early Struggles00:07:20 Achieving Success: The First $100K and Beyond00:21:54 Balancing Success and Personal Life00:23:52 Delegation and Overcoming Entrepreneurial Challenges00:24:54 Taking Risks and Building Confidence00:27:06 Adapting to the COVID-19 Pandemic00:31:41 Lessons Learned and Financial Tips00:33:55 The Final Round: Key Questions and InsightsFind Roy Snarr on:Website: www.RoySnarr.comLinkedIn: https://www.linkedin.com/in/roythomassnarr/Facebook: https://www.facebook.com/roysnarrretirementsolutionsX: https://twitter.com/roytsnarrAverage Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the show

Send us a textJoin us on Average Joe Finances as our guest Cathi Nelson, the founder of a photo organizing company, shares insights about how she built her business from scratch, helping people manage their digital and analog photo collections. She discusses the growing need for photo organizing services, the importance of community and training for small business success, and the potential of turning this into a lucrative side hustle or full-time career. In this episode:Find out how Cathi's organization supports a global network of photo organizers, helping individuals turn memory preservation into a thriving business.Understand how advanced tech tools, like AI for facial recognition, are revolutionizing photo management and making organizing easier than ever.See how photo management has become a profitable field, offering flexible business models and support for aspiring entrepreneurs.Learn how Cathi's dedication to storytelling has created a rewarding field, inviting others to explore careers centered around preserving cherished memories.And so much more!Key Moments:00:01:08 The Photo Managers: An Overview00:02:30 Starting the Photo Management Industry00:04:29 Challenges and Solutions in Photo Management00:06:37 The Business Side of Photo Management00:13:24 Community and Support for Photo Managers00:14:59 Personal Journey and Business Growth00:19:35 Meeting a New Member00:20:01 Understanding Customer Needs00:20:18 Exploring Business Opportunities00:20:40 Family Memorabilia Project00:21:04 Technology and Photo Management00:21:37 AI in Photo Management00:22:26 Organizing Photos and Videos00:23:11 Residential Organizing Conference00:24:21 Biggest Business Mistake00:26:46 Hiring Help and Avoiding Burnout00:28:15 Starting a Photo Management Business00:29:32 Favorite Business Resources00:31:02 Final Thoughts and AdviceFind Cathi Nelson on:Website: https://thephotomanagers.com/LinkedIn: https://www.linkedin.com/in/cathinelson/Instagram: https://www.instagram.com/thephotomanagersofficial/?hl=enYoutube: https://www.youtube.com/@thephotomanagersFacebook: https://www.facebook.com/thephotomanagersAverage Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the show

Send us a textJoin us on Average Joe Finances as our guest Mark Miller, the CEO of Hilton Tax and Wealth Advisors, discusses his career and collaboration with the Hilton family, highlighting the importance of advanced tax mitigation strategies that can significantly reduce tax liabilities and enhance wealth for business owners and high-income earners. He also shared the proprietary techniques used by the Hilton Financial Network, methods for optimizing tax brackets in high-tax areas, and debunk common tax myths.In this episode:Discover the power of tax planning to cut costs and boost your wealth potential.Learn smart, non-traditional strategies to reduce taxes without relocating.Experience the value of expertise to shift from conventional advice to wealth-maximizing solutions.Unlock wealth-building insights that balance safety with growth for lasting success.And so much more!Key Moments:00:02:07 Meet Mark Miller: CEO of Hilton Tax and Wealth Advisors00:02:24 Mark Miller's Journey and Expertise00:06:20 Advanced Tax Mitigation Strategies00:06:38 The Importance of a Formalized Tax Plan00:07:27 Proprietary Strategies for Tax Savings00:08:28 Client Success Stories and Minimum Requirements00:09:01 Beyond Basic Deductions: Deep Dive into Tax Codes00:09:50 Home Office and Accountable Spending Plans00:10:18 Tax Mitigation for W-2 Employees00:10:58 Living in High-Tax States: Strategies to Save00:11:43 The Legal and Ethical Side of Tax Mitigation00:12:25 The Role of Legislatures in Tax Codes00:12:52 Achieving Zero Tax Bracket: Real Examples00:14:34 Fee Structure and Client Proposals00:15:36 Hilton Wealth: Investing Like an American Dynasty00:16:57 Mark Miller's Personal Motivation and Background00:23:16 The Role of CPAs and Red Flags to Watch For00:25:18 The Importance of Trust in Financial Relationships00:26:03 Understanding the Role of CPAs and Financial Advisors00:27:57 Success Stories: Transforming Financial Futures00:30:12 Addressing Common Fears in Personal Finance00:32:53 Lessons Learned from Financial Mistakes00:35:30 The Value of Conservative Investment Strategies00:41:28 Getting Started with Financial Planning00:44:00 Final Thoughts and Words of WisdomFind Mark Miller on:Website: http://hiltonwealth.comLinkedIn: https://www.linkedin.com/in/markmiller-hiltonfo/Facebook:https://www.facebook.com/HiltonWealthYouTube: https://www.youtube.com/@hiltontaxwealthadvisors6590Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the show

Send us a textJoin us on Average Joe Finances as our guest Herman Dulce Jr., the founder of Bella Sloan Enterprises, shares his remarkable journey from a social worker to a renowned financial literacy advocate. Herman also discusses leveraging credit to make impactful financial decisions, including house hacking and buying his first property. The conversation covers credit repair, business funding, and strategic relationships in real estate investments.In this episode:Discover how leveraging credit can be a powerful tool for building wealth, not just for consumer spending but for acquiring assets like real estate that generate long-term income.Learn about the importance of early banking relationships and establishing credit with diverse financial institutions to expand business funding opportunities.Explore how house hacking, or investing in multifamily properties, can help you transition from renter to homeowner while creating cash flow.Understand the significance of surrounding yourself with successful and failed mentors to learn valuable lessons from both achievements and mistakes.And so much more!Key Moments:00:03:19 Herman Dolce Jr.'s Background and Journey00:05:51 Financial Literacy and Early Lessons00:09:51 Real Estate and House Hacking Strategies00:11:40 Building Credit and Business Funding00:14:00 Navigating Today's Real Estate Market00:18:40 Advice for Aspiring Investors00:22:04 Real Estate Investment Strategies00:24:31 The Power of Good Credit00:25:12 Building Relationships with Banks00:26:25 Credit Optimization Tips00:29:12 Business Loans and Credit Cards00:31:53 Final Round: Personal Insights00:37:26 Closing Thoughts and ResourcesFind Herman Dolce Jr. on:Website: bellasloanenterprises.com Instagram: http://www.instagram.com/haitian_ceo Youtube: https://www.youtube.com/c/BellaSloanEnterprises Email: info@bellasloanenterprises.com Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the show

Send us a textJoin us on Average Joe Finances as our guest Adam Goldman, a seasoned franchise consultant, shares his journey from business school into the world of franchising, revealing insights into the potential and misconceptions surrounding franchises. With over 14 years in the industry, Adam discusses his role in helping aspiring entrepreneurs find the right franchise fit, akin to being the 'Match.com of franchising.' In this episode:Explore the diverse world of franchising beyond the common myths and misconceptions.Uncover how tailored franchise opportunities can align with individual strengths and goals.Understand the growing role of women in franchising and the empowerment it offers.Gain insights into Adam's long-term vision of financial freedom through multiple income streams.And so much more!Key Moments:00:00:19 Adam Goldman's Entrepreneurial Journey00:01:54 Diving into Franchising00:03:21 Misconceptions and Realities of Franchising00:05:27 Financial Considerations in Franchising00:09:21 Real Estate Ventures and Insights00:10:42 Creating Entrepreneurs and Personal Motivations00:15:07 Future Goals and Personal Reflections00:19:01 Final Round: Lessons and Advice00:24:48 Conclusion and FarewellFind Adam Goldman on:Website: https://www.franchisecoach.net/LinkedIn: https://www.linkedin.com/in/adamgoldmanfranchise/Facebook: https://www.facebook.com/leadingfranchiseconsultant/Instagram: https://www.instagram.com/franchisecoach_adam/Youtube: https://www.youtube.com/channel/UCRQCtHcOPenRfQ_0IlMY08QAverage Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesInvestor's Deep DiveInvestment Insights You've Never HeardListen on: Apple Podcasts SpotifySupport the show

Send us a textJoin us on Average Joe Finances as our guest David Pere, a former Marine Corps veteran turned successful real estate investor and entrepreneur shares his journey from making typical financial decisions as a service member to achieving financial freedom and helping others do the same. He discusses the significance of community and networking, particularly through the mastermind he founded for like-minded veteransIn this episode:Discover the significance of community and mentorship for success, particularly through mastermind groups like "The War Room" that offer accountability and support.Understand the true meaning of financial freedom, which isn't about never working, but having the power to choose meaningful projects.Explore the challenges and misconceptions around financial success, and the effort it takes to build wealth.Gain practical advice on investing in education, building networks, and taking actionable steps towards financial goals.And so much more!Key Moments:00:02:14 David Pere's Journey: From Marine Corps to Financial Freedom00:03:58 The Power of Real Estate and Masterminds00:05:50 Challenges and Rewards of Financial Independence00:07:34 The Importance of Community and Mentorship00:13:18 Overcoming Misconceptions and Putting in the Work00:22:17 Introduction to Financial Coaching00:22:59 Fast-Track Your Financial Success00:23:19 Podcast and Social Media Management00:23:55 Back to the Episode: Business Insights00:26:16 Real Estate Market Trends and Predictions00:28:52 The Car Market and Investment Strategies00:32:11 Final Round: Lessons and Advice00:40:10 Connecting and Networking00:42:17 Final Thoughts and FarewellFind David Pere on:Website: https://www.frommilitarytomillionaire.com/Youtube: https://www.youtube.com/channel/UCQElNqStWjEBDFNVnXkh1ngInstagram: https://www.instagram.com/frommilitarytomillionaireLinkedIn: https://www.linkedin.com/in/david-pere/Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesInvestor's Deep DiveInvestment Insights You've Never HeardListen on: Apple Podcasts SpotifySupport the show

Send us a textJoin us on Average Joe Finances as our guest Regina McCann Hess, a certified divorce financial analyst and author of 'Superwoman Wealth: How to Become Your Own Financial Hero', shares her journey from being a critical care nurse to a financial advisor, inspired by an early interest in the stock market.In this episode:Discover the value of financial literacy, especially during pivotal moments like divorce.Familiarize yourself with the complexities of asset division in divorce and how professionals help clients navigate these challenges, ensuring fair financial outcomes and long-term security.Learn how avoiding high-interest debt and prioritizing investments, such as retirement plans and Roth IRAs, can improve your financial health.Understand the importance of continuous financial education and seeking guidance from mentors or coaches. And so much more!Key Moments:00:03:28 Introducing Regina McCann Hess00:03:58 Regina's Journey from Nursing to Finance00:06:56 The Role of a Certified Divorce Financial Analyst00:09:14 Regina's Personal Motivation00:11:24 Empowering Women Through Financial Literacy00:16:11 Financial Challenges and Solutions for Women00:22:06 Understanding the Bucket Theory00:22:44 Meet Tanya, the Money Life Coach00:23:42 Introducing Edit Pods00:24:22 Navigating Financial Conversations in Relationships00:26:02 The Importance of Prenups00:31:37 Final Round: Tough Financial Questions00:35:33 Regina's Financial Advice and Resources00:40:05 Closing Thoughts and FarewellsFind Regina McCann Hess on:Websites:https://reginamccannhess.com/https://www.forgewealth.com/LinkedIn: https://www.linkedin.com/in/reginamccannhess/Facebook: https://www.facebook.com/ForgeWealth/Instagram: https://www.instagram.com/forgewealthmanagement/Youtube: https://www.youtube.com/channel/UCgN_tcH1RrtHitajN-mlBIgAverage Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the show

Send us a textJoin us on Average Joe Finances as our guest Clint Harris, shares his journey from medical sales to achieving financial independence through real estate and self-storage investments. He also shares how he built and eventually restructured his investment strategy to achieve time, financial, and location freedom.In this episode:Explore strategic real estate investments and showcase the importance of choosing the right investment vehicle for long-term success.Familiarize yourself on how to scale a business by leveraging systems, partnerships, and focusing on his strengths—raising capital and building relationships.Learn about the value of continuous education and surrounding yourself with experienced mentors. Recognize the role of risk management in success. By managing and taking calculated risks, you can build tolerance and confidence, essential elements for succeeding in real estate and business.And so much more!Key Moments:00:01:49 Guest Introduction: Clint Harris00:02:19 Clint's Background and Early Career00:03:29 Transition to Real Estate and Early Investments00:04:51 Achieving Financial Independence00:06:02 The Shift to Self Storage00:15:22 Raising Capital and Building Partnerships00:16:42 The Self Storage Business Model00:25:11 Forced Appreciation and Syndication00:25:59 Multifamily Syndications and Property Management00:26:56 Transition to Self Storage and Networking Importance00:29:54 The Power of Relationships and Networking00:34:23 Financial Independence and Mortality00:39:38 Final Round: Financial Mistakes and Lessons00:44:20 Tips for Beginners and the Importance of Education00:46:41 Podcasting as a Learning Tool00:51:05 Final Thoughts and Closing RemarksFind Clint Harris on:Website:  https://nomadcapital.usLinkedIn: www.linkedin.com/in/clint-harris-543265139 YouTube: https://www.youtube.com/channel/UCe0F1abrRXQX2KpSl5qEnoA Podcast: https://podcasts.apple.com/us/podcast/truly-passive-income/id1693667029 Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the show

Send us a textJoin us on Average Joe Finances as our guest Freddie Rappina, a retired police officer turned wealth advisor, discusses his journey from Long Island to Virginia and now Florida, and shares insights into wealth building strategies. He emphasizes the difference between 'checkers' and 'chess' approaches to personal finance, the importance of having an evidence-based mindset, leveraging debt for wealth creation, understanding compound interest limitations, and the critical role of taxes and a robust financial team in achieving financial success.In this episode:Discover the importance of transitioning from basic financial strategies ("checkers") to more advanced tactics ("chess") in wealth management.Understand how leveraging debt can be a powerful tool, but only when used judiciously.Learn the significance of tailoring investment strategies to individual needs. Grasp the concept of building a reliable team to support your financial journey. And so much more!Key Moments:00:03:42 Meet Freddie Rapina: From Police Officer to Wealth Advisor00:08:04 The Checkers vs. Chess Analogy in Finance00:12:56 Leveraging Debt for Wealth Building00:16:36 Real Estate Investment Strategies00:20:27 Personal Decision: Home Ownership vs. Investment00:21:32 Leverage and Risk in Real Estate00:23:24 Preparing for Market Opportunities00:25:52 Effective Marketing Strategies00:27:38 Starting in Real Estate Investing00:31:26 Checkers vs. Chess: Investment Strategies00:33:54 Final Round: Lessons and Tips00:34:55 Building Wealth Through Taxes00:39:56 Closing Thoughts and ResourcesFind Freddie Rappina on:Websites: https://freddierappina.com/https://playingthewealthgame.com/https://www.optafinancial.com/LinkedIn: https://www.linkedin.com/in/freddie-rappina/Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the show

Join us on Average Joe Finances as our guest Weston Zimmerman, the co-founder and CEO of SynkedUp, a landscaping business management software - shares his journey from a teen working for a landscaping company in Pennsylvania to becoming the CEO of an award-winning software company. He discusses the challenges contractors face in managing operations and finances and how SynkedUp helps solve these problems with its comprehensive software solution. In this episode:Discover the importance of creating efficient systems for business management, to ensure accurate cost estimation and resource management for sustained profitability.Understand the shift in mindset required to transition from employee to business owner, and how focusing on adding value to the company can drive personal and professional growth.Gain insight into the significance of cash flow managementExplore how effective leadership, communication, and fostering a team-oriented culture can lead to a more innovative and problem-solving workforce, key to long-term business success.And so much more!Key Moments:00:02:42 Weston's Journey into Landscaping00:03:49 The Birth of SyncedUp00:05:44 Challenges and Growth of SyncedUp00:12:42 Understanding the Profit Triangle00:15:52 Real-Time Job Costing and Feedback00:18:35 Weston's Entrepreneurial Journey00:22:45 Personal Journey into Financial Coaching00:24:06 Early Career and Financial Realizations00:25:02 Pivotal Advice from a CEO00:26:17 Adding Value and Growing Income00:27:30 Leadership and Problem-Solving Mindset00:30:41 Biggest Financial Mistake00:32:24 Learning and Growth in Business00:36:51 Recommended Books and Resources00:41:13 Final Thoughts and Words of Wisdom00:44:10 Closing Remarks and Podcast OutroFind Weston Zimmerman on:Website: www.synkedup.comFacebook: www.facebook.com/synkedup/Instagram: https://www.instagram.com/synkedup/LinkedIn: www.linkedin.com/in/weston-zimmerman-900523122/Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the show

Join us on Average Joe Finances as our guest Chad Olivier shares his extensive experience and knowledge in financial planning since 1996. Chad discusses his journey from selling tax-free bonds to founding the Olivier Group in 2002, where he now specializes in individual investments and certified exit planning for small business owners.In this episode:Grasp the significance of evolving from a specialized financial service, like selling tax-free bonds, to establishing a comprehensive financial planning firm.Recognize the critical role of exit planning as an essential component of a business owner's financial strategy, ensuring maximum value extraction.Comprehend the importance of maintaining a business as a separate entity from personal finances to create a sellable asset.Realize the necessity of prudent debt management and the delicate balance between scaling and stabilizing a business.And so much more!Key Moments:00:01:07 Meet Chad Olivier: Financial Planning Expert00:02:41 Chad's Journey into Financial Services00:03:23 The Niche of Exit Planning00:06:55 Building a Successful Financial Firm00:11:17 Mentorship and Continuous Learning00:16:00 Challenges and Advice for Business Owners00:20:15 The Evolution of Financial Planning00:22:19 The Role of AI in Wealth Management00:24:14 The Importance of Expert Advice00:25:59 Building a Legacy: Strategies for Business Owners00:28:08 The Challenges of Running a Business00:30:03 Final Round: Lessons and Tips00:36:14 Recommended Books and Podcasts00:38:10 Closing Remarks and Contact InformationFind Chad Olivier on:Website: www.oliviergroup.comFacebook: www.facebook.com/theoliviergroup/X: https://x.com/TheOlivierGroupLinkedIn: www.linkedin.com/in/chad-olivier-70b29621/Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the Show.

Join us on Average Joe Finances as our guest David Delisle, discuss the importance of financial literacy for both kids and adults, focusing on David's journey as a 'finance nerd' from a young age and his passion for teaching financial education through his children's book, a graphic novel. He also shares the significance of understanding personal finance from early stages, the concept of 'awesome stuff' which helps identify what truly brings joy, and shifting from a scarcity mindset to an abundance mindset.In this episode:Recognize the importance of teaching kids to align their financial choices with their values.Learn how to encourage parents to break this cycle by discussing money openly with their children and helping them identify what genuinely brings them joy.Embrace the 'Awesome Stuff' Philosophy where this approach centers on helping both kids and adults identify their "awesome stuff"—the things that truly make them happy.Understand the connection between giving and feeling financially abundant. By practicing generosity, individuals can shift their mindset from scarcity to abundance, fostering a healthier relationship with money.And so much more!Key Moments:00:03:36 Introducing David Delisle00:04:41 David's Background and Passion for Financial Literacy00:06:34 The Importance of Financial Literacy for Kids00:12:18 Living a Rich Life and Mindset Shifts00:20:49 Quality Time and Financial Decisions00:24:11 From Budgeting to an Abundance Mindset00:24:36 Shifting Mindsets: From Scarcity to Abundance00:26:14 The Power of Giving: Financial and Emotional Benefits00:28:07 Teaching Kids About Value and Joy00:35:10 Final Round: Financial Mistakes and Lessons00:42:43 David's Book and Final ThoughtsFind David Delisle on:Website: www.thefinancialphysician.comFacebook: https://www.facebook.com/financialphysicianAverage Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the Show.

Join us on Average Joe Finance hosts Mike Cavaggioni and Tanya discuss recent events, focusing on the overdramatized stock market crash in early August, investment strategies for market dips, the evolving real estate market and its challenges, and the importance of mindful financial planning. The conversation also touches on practical financial advice such as adhering to budget percentages and the necessity of having financial mentors or advisors.In this episode:Learn about the importance of understanding that market dips are often temporary and can present buying opportunities rather than reasons to panic.Discover the power of long-term investment strategies, even when short-term market movements cause concern.Understand the complexities of the current real estate market, including rising interest rates and insurance costs, and offers advice on how to navigate these challenges.Explore the importance of financial prudence, particularly ensuring that housing expenses don't exceed 30% of income, regardless of whether you're renting or buying.And so much more!Key Moments:00:00 Introduction and Episode Overview00:42 Discussing the Stock Market Crash03:58 Real Estate Market Insights08:00 Financial Advice and Personal Experiences14:38 The Importance of Financial Planning24:46 Conclusion and Final ThoughtsAverage Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the Show.

Join us on Average Joe Finances as our guest Lou Scatigna, a seasoned financial advisor, author, and radio show host, shares his extensive experience in financial planning, discussing the importance of financial literacy, budgeting, and prudent investing. He highlights the parallels between health and financial habits, the impact of car and housing expenses on financial well-being, and explains the potential dangers of hyperinflation.In this episode:Recognize the critical nature of establishing an emergency fund. Saving three to six months' worth of living expenses to safeguard against unexpected financial crises.Embrace Living Below Your Means. Advocate for a lifestyle where you spend less than you earn.Appreciate the Power of Budgeting. A spending plan is crucial for maintaining control over personal finances.Comprehend the Impact of Inflation and Debt, which could lead to economic challenges such as hyperinflation. Investing in hard assets like real estate and precious metals is a good option as protection against these risks.And so much more!Key Moments:00:00:00 Post-Interview Reflections00:03:20 Meet Lou Scatigna00:04:09 Lou's Financial Philosophy00:05:37 The Dangers of Debt00:09:10 Car Buying Mistakes00:11:11 Housing and Financial Responsibility00:18:45 Retirement Challenges00:21:25 Inflation and Economic Concerns00:26:40 Personal Investment Strategies00:27:23 Impact of Washington on Finances00:28:08 Precious Metals as a Hedge Against Inflation00:29:49 The Value of Silver00:32:47 Hyperinflation and Its Consequences00:36:17 Lessons Learned in Finance00:39:40 The Importance of Financial Education00:41:52 Getting Started in Finance00:44:49 Recommended Financial Resources00:46:35 Closing Remarks and Contact InformationFind Lou Scatigna on:Website: www.thefinancialphysician.comFacebook: https://www.facebook.com/financialphysicianAverage Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the Show.

Join us on Average Joe Finances as our guest Jason VanDevere shares about his journey from working in a family car dealership to starting his own successful e-commerce business, 'Goal Crazy,' which includes a specialized planner and coaching programs.In this episode:Discover the power of pursuing your passion even when it means stepping away from a secure career path.Understand the Importance of comprehensive goal setting, offering tools to help you assess your life, set meaningful goals, and break them down into daily actions.Recognize the need for strategic financial stability as it underscores the significance of building a stable financial foundation before diving into entrepreneurship.Grasp the essence of work-life balance by aligning your business goals with your life aspirations to ensure that your work contributes to your overall well-being.And so much more!Key Moments:00:01:02 Meet Jason Vanderveer00:01:38 Jason's Entrepreneurial Journey00:03:07 The Birth of Goal Crazy Planners00:06:16 Challenges and Success in E-commerce00:12:38 The Importance of Goal Setting00:21:23 Real Estate Ventures00:27:12 Balancing Entrepreneurship and Family Life00:28:01 Defining Your Ideal Lifestyle00:28:14 Using Business as a Vehicle for Dreams00:29:16 The Journey and Obstacles00:29:52 Balancing Work and Life00:31:29 Daily Dreaming and Vision Boards00:33:23 Finding Fulfillment Beyond Success00:38:26 The Final Round: Lessons and Tips00:48:01 Connecting with Jason VanderveerFind Jason VanDevere on:Website: https://goalcrazyplanners.com/Instagram: https://www.instagram.com/goal.crazy/LinkedIn: http://linkedin.com/in/jasonvandevereAverage Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the Show.

Join us on Average Joe Finances as our guest Ted Thomas, a seasoned expert in tax defaulted properties and tax lien certificates, shares his journey from being an airline pilot to becoming a successful real estate investor, and how he stumbled upon the lucrative market of tax defaulted properties and tax lien certificates.In this episode:Understand Tax lien certificates as an investment opportunity where you pay the overdue property taxes and earn interest on your investment. If the property owner doesn't redeem the certificate, you could acquire the property free of liens.Get to know how economic downturns, like a recession, can affect investments and the importance of adapting strategies in response to market changes.Learn why it's crucial to educate yourself thoroughly  and understand the investment process to avoid costly mistake before diving into tax lien certificates and tax defaulted propertiesKnow the effective strategies for success in tax lien certificates and defaulted properties such as setting a budget, knowing your exit strategy, and avoiding emotional bidding (auction fever).And so much more!Key Moments:00:00:52 Ted Thomas' Background and Career Journey00:01:36 Transition to Real Estate and Early Success00:02:19 Facing Recession and Learning About Foreclosures00:03:06 Discovering Tax Defaulted Properties00:04:06 Educating the Audience on Tax Defaulted Properties00:08:43 Navigating Auctions and Real Estate Strategies00:13:57 Importance of Education and Avoiding Mistakes00:19:17 Success Stories and Client Testimonials00:23:38 Profitable Property Auctions00:24:23 Understanding Redeemable Deeds00:25:07 Navigating State-Specific Auction Rules00:25:56 The Importance of Learning the Business00:26:11 Success Stories and Strategies00:27:46 Tax Lien Certificates Explained00:30:21 Investing with the Government00:34:10 Final Round: Ted's Insights and Advice00:40:44 How to Learn More and Get Started00:43:52 Closing Thoughts and AppreciationTed invites you to join his comprehensive six-hour class. Use the code "JOE50" for a discount on this invaluable learning experience. This class is the perfect starting point to learn from one of the industry's best. Visit www.tedthomas.com for more details and to sign up.Find Ted Thomas on:Website: https://tedthomas.com/Youtube: https://www.youtube.com/@Ted-ThomasTiktok: http://www.tiktok.com/@taxsalesexpertFacebook: https://www.facebook.com/TaxAuctionTedInstagram: https://www.instagram.com/taxlienauthorityAverage Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesAll Business. No Boundaries. The DHL Supply Chain Podcast Welcome to All Business. No Boundaries, a collection of supply chain stories by DHL...Listen on: Apple Podcasts SpotifySupport the Show.

Join us on Average Joe Finances as our guest Brent Kesler shares his journey from being a chiropractor to becoming a financial educator who helps people build, keep, and create wealth through the Infinite Banking Concept. Brent shares his personal success story of paying off nearly a million dollars in debt and emphasizes the importance of taking action, having the right mindset, and utilizing mentors.In this episode:Discover how Infinite Banking uses a specially designed whole life insurance policy to create and build wealth by borrowing against the policy while earning interest.Learn about Brent Kessler's transition from a chiropractor to a financial expert who used Infinite Banking to pay off nearly a million dollars in debt in 39 months and founded The Money Multiplier.Understand how Infinite Banking can fund personal purchases, real estate investments, and business ventures. Hear real-life success stories of individuals who used Infinite Banking to pay off debts, fund education, and achieve financial freedom.And so much more!Key Moments:00:01:51 Brent's Journey to Financial Freedom00:02:53 Discovering the Infinite Banking Concept00:04:32 Implementing the Concept and Paying Off Debt00:06:01 Teaching and Spreading the Concept00:10:57 Infinite Banking in Real Estate00:12:00 How Infinite Banking Works00:20:21 Real-Life Examples and Success Stories00:26:41 Understanding Self-Borrowing for Purchases00:28:01 Success Stories and Client Experiences00:29:01 The Importance of Paying Yourself First00:36:10 Final Round: Personal Insights and Advice00:47:06 Resources and Closing RemarksFind Brent Kesler on:Website: www.themoneymultiplier.comInstagram: www.instagram.com/the.money.multiplier/Youtube: www.youtube.com/@the.money.multiplierAverage Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the Show.

Join us on Average Joe Finances as our guest Nicole Truszkowski shares her extensive experience in real estate, particularly in the luxury market. With over 30 years in the industry, Nicole delves into her transition from sports medicine to real estate, her methods for breaking into high-end markets, and her strategies for maintaining a thriving business. She also discusses her involvement in high-profile transactions, including sales for celebrities like Brad Pitt, and shares valuable tips for aspiring real estate agents.In this episode:Nicole emphasizes building relationships within elite social circles and providing high-touch service and expert knowledge to succeed in high-end real estate.Nicole shares her diverse background in sports medicine, business administration, and club management, highlighting how these experiences equipped her with valuable skills for marketing and luxury service in real estate.Discover the importance of understanding and adapting to local market nuances, using a calculated approach to study competition and align strategies when moving to a new, affluent market.Learn practical advice on financial management, stressing the importance of living within one's means and smartly investing earnings to navigate market fluctuations and ensure business growth.And so much more!Key Moments:00:01:13 Guest Introduction: Nicole Truskowski00:01:50 Nicole's Early Career and Transition to Real Estate00:04:18 Building a Real Estate Career in Sacramento00:06:10 Transition to Carmel and High-End Real Estate00:08:21 Challenges and Strategies in High-End Real Estate00:12:54 Working with Elite Clients00:17:10 The Realities of High-End Real Estate Transactions00:22:37 Selling America's Sweetheart's Home00:23:59 Transitioning to Real Estate Development00:25:07 Building a High-End Development Team00:26:58 Challenges in Real Estate Development00:27:42 Diversification and Financial Strategies00:29:56 Long-Term Vision and Team Building00:30:42 Financial Wisdom and Investment StrategiesFind Nicole Truszkowski on:Website: https://truszkowskifreedman.com/Facebook: https://www.facebook.com/nicole.truszkowski/Instagram: https://www.instagram.com/nicole_truszkowski/LinkedIn: https://www.linkedin.com/in/nicoletruszkowski/Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the Show.

Join us on Average Joe Finances as our guest Rachel Capil shares her journey from starting a photography business nearly 20 years ago to thriving in the real estate market. She discusses the impact of COVID-19 on her businesses, the importance of video content, and the lessons learned from her grandfather about financial literacy and investing. Rachel also delves into the significance of mindset, relationships, and having multiple income streams.In this episode:Explore Rachel's journey from a passion for photography to a thriving entrepreneurial venture, demonstrating the power of turning a hobby into a profitable business.Learn how Rachel successfully transitioned to real estate, leveraging her background in commercial property management and using video marketing and YouTube to grow her business during the pandemic.Explore the importance of financial literacy and reinvesting earnings, sharing how early investments led to significant returns.Explore the power of a positive mindset and faith in overcoming challenges, as Rachel shared her personal experiences.Rachel provided practical advice for entrepreneurs, highlighting the need for backup income, good mentorship, and consistent saving and reinvesting.And so much more!Key Moments:01:40 Meet Rachel Capil: Entrepreneur and Real Estate Agent02:36 Rachel's Journey: From Photography to Real Estate04:12 Navigating the Real Estate Market During COVID06:20 The Power of Compounding Interest and Financial Literacy16:07 Balancing Multiple Income Streams and Mindset21:35 Investing Lessons and the Importance of Ethics28:18 Intuition and Financial Advisors28:55 Retirement Goals and Financial Planning31:13 Materialism and Character34:46 Financial Mistakes and Lessons Learned41:38 Real Estate Tips and Strategies43:37 Mindset and Financial Security47:07 Recommended Books and Resources51:29 Closing Thoughts and Contact InformationFind Rachel Capil on:LinkedIn: https://www.linkedin.com/in/rachel-capil-44aa039/Photography Accounts:Website:https://www.photobizacademy.com/https://www.rachelcapilphotography.com/Facebook: https://www.facebook.com/rachelcapilphotography/Instagram: https://www.instagram.com/rachelcapilphotography/Real Estate Accounts:Website: https://rachelcapil.kw.com/Facebook: https://facebook.com/RachelCapilRealEstate/Tiktok: https://www.tiktok.com/@rachelcapilAverage Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the Show.

Join us on Average Joe Finances as our guest Lisa Schader discusses her background and journey towards financial independence, emphasizing the importance of financial education, especially for women. She explores strategies for investing, budgeting, and empowering individuals to take control of their financial future. Lisa also highlights her approach to making financial topics engaging and accessible through her social media platforms and challengesIn this episode:Explore the importance of building a supportive financial community, emphasizing a mindset of abundance and shared success over competition.Learn the value of living below your means and prioritizing investing during the first ten years of your career, a strategy that helped Lisa and her husband achieve a million-dollar net worth before their forties.Empower women through financial knowledge, highlighting its necessity for preparing for unforeseen circumstances and ensuring long-term security.Address common financial myths and missteps, such as cash hoarding, and promote leveraging financial technology and robo-advisors for accessible investment management.And so much more!Key Moments:00:01:37 Special Guest: Lisa Shader from Money Fit Moms00:03:31 Lisa's Background and Financial Journey00:05:04 The Basics of Financial Independence00:09:28 The Power of Early Investing00:16:04 Empowering Women in Finance00:22:12 Financial Confidence for Women00:23:33 The Importance of Financial Awareness00:26:51 Money Fit Challenge: Step-by-Step Guide00:30:53 Navigating Financial Conversations in Relationships00:35:13 Investing Tips and Mistakes to AvoidFind Lisa Schader on:Website: https://moneyfitmoms.com/Instagram: https://www.instagram.com/moneyfitmomsTwitter: https://twitter.com/moneyfitmomsLinkedIn: https://www.linkedin.com/in/lisa-schader/Threads: https://www.threads.net/@moneyfitmomsAverage Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the Show.

In today's ever-changing financial landscape, there are few constants, but one universal truth remains: the importance of planning for retirement. Join us on Average Joe Finances as our guest Derek Mazzarell shares his journey from graduating in 2007 and working with Aflac to becoming a financial advisor at Gateway Financial Partners. The discussion covers important retirement planning misconceptions, the significance of not just aiming for a 'magic number' but ensuring long-term sustainability, and common financial mistakes like not diversifying tax buckets. In this episode:Derek Mazzarella emphasizes adopting a dynamic spending strategy over the static 4% withdrawal rule to better adjust spending based on market performance.The importance of diversification is highlighted, recommending a balanced approach across various assets to mitigate risks.Planning for unexpected expenses like home repairs or healthcare emergencies is discussed as crucial to a robust retirement plan.Derek advises younger investors to automate savings into different accounts and set up a "reverse budget" for steady financial growth.And so much more!Key Moments:00:01:36 Meet Derek Mazzarella00:01:52 Derek's Financial Journey00:03:19 Common Retirement Misconceptions00:08:08 Planning for Unexpected Expenses00:10:10 Diversifying Retirement Portfolios00:15:02 The FIRE Movement and Personal Finance00:24:01 Balancing Life and Finances00:26:26 Investment Strategies and Mortgage Tips00:29:01 Changes in Personal Finance Post-COVID00:31:51 Final Round: Personal Insights and Advice37:57 Derek's Book and Social Security DiscussionFind Derek Mazzarella on:Website: http://mygfpartner.comLinkedIn Page: https://www.linkedin.com/in/derekmazzarellaFacebook: https://www.facebook.com/MazzarellaFinancialYouTube: https://www.youtube.com/channel/UCECWcetQoE_07hoxKCaLZBg/Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesAll Business. No Boundaries. The DHL Supply Chain Podcast Welcome to All Business. No Boundaries, a collection of supply chain stories by DHL...Listen on: Apple Podcasts SpotifySupport the Show.

Join us on Average Joe Finances as our guest Greg Rubin shares his journey from starting as a prop trader in 2007, through the financial crisis, and eventually running a capital allocation program at Axi Select. He discusses the evolution of trading, risk management, and trade psychology, emphasizing the need for proper risk management to succeed in trading.In this episode:Understand trade psychology, emphasizing successful trading is about probabilities, not timing.Learn risk management and trade psychology for avoiding costly mistakes and fast-tracked learning.Requisite balance between AI capabilities and human element in AI-driven businesses.Axi Select's tiered system for profit sharing, incentivizing traders to climb ranks for higher funding access.And so much more!Key Moments:00:01:00 Interview with Greg Rubin: AxiSelect Overview00:02:17 Greg Rubin's Background and Career Journey00:04:50 AxiSelect's Unique Trading Model00:07:13 Benefits of AxiSelect for Traders00:12:38 Risk Management and Quarantine Process00:14:27 Adapting to Market Trends and AI in Trading00:18:20 Understanding the Trading Program Structure00:19:34 Dashboard and Performance Metrics00:20:45 Healthy Competition and Community Interaction00:21:09 Requirements to Access the Trading Room00:22:08 Trading is a Marathon, Not a Sprint00:23:01 Final Round: Personal Insights and LessonsFind Greg Rubin on:Website: www.axi.comLinkedIn: www.linkedin.com/in/greg-rubin-9b85321b/?originalSubdomain=auFacebook: www.facebook.com/axi/?_rdc=1&_rdrInstagram: www.instagram.com/axi_official/Twitter: www.twitter.com/axi_officialYoutube: www.youtube.com/AxiOfficialChannelAverage Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesLife Money & More A Podcast About Life, and Money. Hosted by Youtuber, and Real Estate Agent Sage WeissListen on: Apple Podcasts SpotifySupport the Show.

Join us on Average Joe Finances as our guest Gregory Mohr shares his journey from humble beginnings to becoming a real estate and land development expert. He discusses the impact of high interest rates on the current housing market, strategies for new investors, and the importance of continuous learning. In this episode:Minnesota's suitability for property development due to the presence of large firms and employment stability.Minimizing debt and exploring strategies to afford homes, like cohabitating or purchasing duplexes.Meticulousness and patience before entering the property market and executing detailed risk assessments.The increasing number of new residential developments and the pros of selecting new houses over pre-existing ones.And so much more!Key Moments:00:03:03 Dale Wills' Background and Journey00:04:20 Real Estate Strategies and Insights00:09:15 Challenges and Opportunities in Real Estate00:14:56 Single Family vs. Multifamily Investments00:16:18 Navigating the Current Real Estate Market00:21:49 Regional Real Estate Market Focus00:23:38 Understanding Investment Margins00:24:15 The Complexity of IRR00:25:00 Investment Opportunities and Strategies00:28:14 Alternative Investment Options00:33:07 Lessons from Financial Mistakes00:35:17 The Importance of Continuous Learning00:36:46 Advice for New Real Estate InvestorsFind Dale Wills on:Websites: https://centracapitalpartners.com/https://www.centrahomes.com/LinkedIn: https://www.linkedin.com/in/dalerwills/Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesDavid C Barnett Small Business and Deal Making M&A SMBI discuss buying, selling, financing and managing small and medium sized businesses...Listen on: Apple Podcasts Spotify FranchiseU!FranchiseU! is for those in, or considering, careers within the world of franchising. Listen on: Apple Podcasts SpotifySupport the Show.

Join us on Average Joe Finances as our guest Gregory Mohr shares his personal journey from a high school paper route to becoming a franchise consultant, offers insights on how to get started in franchising, financing options, and the importance of being coachable. He also discusses the benefits of franchises in recession-proof industries and the significance of understanding sales to succeed in entrepreneurship.In this episode:Greg underscores the importance of using past triumphs and experiences in the franchising sphere.Greg's book and concept showcase franchising as an avenue to entrepreneurial freedom and success.Discuss the cost distinction between brick and mortar franchises and service industry franchises. Learn the potential use of franchises to boost pre-existing businesses or initiatives is examined. And so much more!Key Moments:00:04:27 Gregory Mohr's Journey into Franchising00:05:17 The Path to Entrepreneurship and Franchising00:14:37 Understanding the Costs and Benefits of Franchising00:16:44 Real-Life Success Stories in Franchising00:20:12 Financing Your Franchise: Options and Advice00:21:50 Evaluating Franchise Opportunities and Risks00:23:42 Franchise Disclosure and Validation00:23:59 Real Estate Marketing Solutions00:25:02 Podcast and Social Media Services00:25:42 Franchise Research and Success Stories00:26:08 Top Franchises to Consider00:28:07 Recession-Proof Franchise Opportunities00:30:09 Franchise Ownership and Consulting00:37:48 Final Round: Financial Mistakes and LessonsFind Gregory Mohr on on:Website: www.franchisemaven.comLinkedIn: https://www.linkedin.com/in/gregorykmohr/Instagram: https://www.instagram.com/franchisemaven/?hl=enTwitter: https://twitter.com/Franchise_MavenFacebook: https://www.facebook.com/FranchiseMaven/Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comShow Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full eDavid C Barnett Small Business and Deal Making M&A SMBI discuss buying, selling, financing and managing small and medium sized businesses...Listen on: Apple Podcasts Spotify FranchiseU!FranchiseU! is for those in, or considering, careers within the world of franchising. Listen on: Apple Podcasts SpotifySupport the Show.

Join us on Average Joe Finances as our guest Luke Van Der Veer shares insights about his innovative business model of website rentals. From a corporate HR job to creating financial freedom through website leasing, he shares his methods for generating leads and securing clients, and gives some tips for finding success in entrepreneurial ventures. Luke also shares insights on the importance of coaching and investing in oneself, and how he balances his work and personal life while continuously exploring new business opportunities.The episode is packed with actionable advice and inspiring stories for anyone looking to break free from the traditional 9-to-5 grind.What you'll learn in this episode:Exploring unconventional ways to earn like renting websites, promoting the importance of thinking outside the traditional job framework.Significance of personal freedom to pursue one's interests, reframing the concept of work and lifestyle.The value of having coaches or mentors, stressing the efficiency they bring in achieving personal and business goals.Importance of investing in knowledge and skills instead of material possessions, a crucial aspect of financial growth.And so much more!Key Moments:00:00:57 Recap of Luke Vanderveer Interview00:01:55 Introduction to Website Rentals00:05:11 Luke Vanderveer's Background00:06:40 The Journey to Financial Freedom00:09:54 Building a Website Rental Business00:12:10 Lead Generation and Business Model00:14:21 Scaling the Business and Income Potential00:19:32 Scaling the Business00:19:54 Outsourcing and Automation00:20:45 Coaching and Delegation00:21:28 Life After Leaving the Job00:23:07 Finding Purpose and Coaching Others00:23:52 Balancing Work and FreedomFind Luke Van Der Veer on:Website: https://lukevanderveer.com/LinkedIn: https://www.linkedin.com/in/lukevanderveer/Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesMake More with Matt HeslinExplore strategies to thrive financially, build legacy, and enhance life experiences.Listen on: Apple Podcasts SpotifySupport the Show.

Join us on Average Joe Finances as our guest Garr Russell shares insights into his philosophy on overcoming adversity, leveraging other people's assets, and the importance of faith in his life. He details his transition from being a full-time RVer to establishing a successful RV rental franchise business, Fireside RV Rental. Garr also opens up about his past struggles and how they shaped his approach to business today. What you'll learn in this episode:Solving problems creatively to provide valuable solutions for customers, fostering business growthValuable guidance, insights, and support, crucial for navigating the entrepreneurial journey and learning from experienced professionals.Continuous learning and self-improvement through education equip entrepreneurs with knowledge, insights, and tools essential for business growth.Delegation of tasks to competent individuals fosters collaboration and allows entrepreneurs to focus on their strengths for business success.And so much more!Key Moments:00:47 Meet Garr Russell: A Journey from RV Living to Entrepreneurship02:58 The Genesis of a Unique RV Rental Business11:45 Garr's Personal and Professional Journey17:39 Challenges and Learning Moments24:05 The Power of Franchising and Mentorship25:07 The Importance of Mental Health Breaks for Entrepreneurs25:32 Learning from Failure: An Entrepreneur's Journey27:19 Transitioning from Wantrepreneur to Entrepreneur27:41 The Entrepreneurial Mindset: Recognizing Your Potential29:30 Franchise Opportunities: A Path to Success31:02 The Value of Sharing Struggles and Failures32:13 The Hero's Journey: Rising from Failure to SuccessFind Garr Russell on:Website: www.firesidervrental.comFacebook: www.facebook.com/garr.russellInstagram: www.instagram.com/garrjrussellLinkedIn: www.linkedin.com/in/garrrussellYoutube: www.youtube.com/@garrjrussellAverage Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesDavid C Barnett Small Business and Deal Making M&A SMBI discuss buying, selling, financing and managing small and medium sized businesses...Listen on: Apple Podcasts SpotifySupport the Show.

Join us on Average Joe Finances as our guest Will Nutting, shared his philosophy of questioning consensus, his approach to connecting the real world with the financial world through his twice-weekly writings, and his own experiences managing a personal fund. He also emphasizes the importance of thinking independently, understanding geopolitical influences on market trends, and the need for diversification in investment. What you'll learn in this episode:Potential struggles of the Western capitalist system, shedding light on alternate financial systems like gold and digital assets.The importance of gaining hands-on experience and learning financial concepts through analogies and metaphors.Potential societal instability taking root from societal values, debt, the entitlement and indulgence of certain groups.Diversification as a safety net in investments, discouraging dependence on a single sector or theme's performance.And so much more!Key Moments:00:26 Meet Will Nutting: A Maverick in Finance00:32 Challenging Financial Consensus01:47 From Soldier to Financial Commentator05:19 Crafting the Nut Stuff Portfolio12:18 Navigating Geopolitical Waters: Investing Amidst Global Events17:11 The Future of Investing: Opportunities and Challenges22:19 Protecting Investments in a Volatile World24:18 Long-Term Investment Strategies and Generational Perspectives25:06 Creating a Personalized Investment Portfolio26:42 Incorporating Geopolitics and Emerging Technologies into Investment Decisions27:21 The Real World Meets Financial World28:39 The Ultimate Safety Net in Investing33:57 Investment Insights and the Importance of Being InquisitiveFind Will Nutting on:Website: https://www.nutstuff.co.uk/LinkedIn: https://uk.linkedin.com/in/will-nutting-030a0415Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesDavid C Barnett Small Business and Deal Making M&A SMBI discuss buying, selling, financing and managing small and medium sized businesses...Listen on: Apple Podcasts SpotifySupport the Show.

Join us on Average Joe Finances as we welcome our new co-host, Tawnya Schultz! She shares her journey from being trapped in a financially dependent relationship to becoming a financial coach, known as The Money Life Coach. She also discusses her approach to budgeting, the psychological aspects of finance, and her aspirations to educate and empower, especially women, on financial matters. What you'll learn in this episode:The significance of fostering positive relationships, which can enhance engagement and create a welcoming atmosphere for listeners.The transformative power of financial education and empowerment.The necessity of taking tangible steps towards financial goals, emphasizing the importance of implementation alongside learning.Encouraging accountability and proactive decision-making underscores the role of personal responsibility in managing finances effectively.And so much more!Key Moments:00:31 Tawnya's Journey: From Guest to Co-Host00:01:05 The Money Life Coach: Tawnya's Personal Finance Journey00:03:23 Finding the Perfect Co-Host: The Selection Process00:05:00 Empowering Women in Finance: A New Perspective00:06:39 The Holistic Approach to Personal Finance00:09:59 Emotions and Money: Understanding the Connection00:19:45 Taking Action: The Key to Financial Success00:22:49 The Future of the Average Joe Finances Podcast with TawnyaFind Tawnya Schultz on:Website: https://www.themoneylifecoach.com/LinkedIn: https://www.linkedin.com/in/tawnyaschultz/Facebook: https://www.facebook.com/themoneylifecoach1/Instagram: https://www.instagram.com/tawnyaschultz/Youtube: https://www.youtube.com/TahoeSnowboardMagAverage Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the Show.